Business Profile

Loan Servicing

Systems & Services Technologies, Inc.

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Important information

Customer Complaint:
This business profile reflects national complaint activity

Complaints

This profile includes complaints for Systems & Services Technologies, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

460 total complaints in the last 3 years.
101 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:01/07/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
October 2024 my account was transferred to SST from another company without further details and consent obtaining my social security number and email and phone number without my consent and SST since obtaining my info I have tried contacting them about setting up debt forgiveness or settlement since I did give them consent or a written contract for loan repayment since the previous company did not file bankruptcy or any other federal paperwork to declaring they were selling my info
Business Response
Date: 01/16/2025
Please see attached.According to our records on October 29, 2020, Mr. ******* signed an agreement with Tally
Technologies, Inc, for a line of credit in the amount of $3,000.00 with an initial interest rate of
17.99% which could vary with the market based on the Prime Rate. He agreed to the terms and
obligations outlined in the contract, which state that in the event of a servicing change, his line of
credit will be closed. He will then be required to make equal monthly payments of principal and
interest that fully amortize his Tally Line of Credit over a five-year period
Initial Complaint
Date:01/04/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had to send this company a check for $264.64 because for some reason they don't accept credit or debit cards to pay. I sent the letter on December 20th, its now January 4th and even though I got a text message from them about a week ago, they haven't taken any of the money from my account and are still saying that I owe them that $264.64.
Business Response
Date: 01/15/2025
Please see attached.According to our records on July 21, 2022, Mr. S*******y, signed an agreement with Tally
Technologies, Inc, for a line of credit in the amount of $3,000.00 with an initial interest rate of
23.99% which could vary with the market based on the Prime Rate. He agreed to the terms and
obligations outlined in the contract, which state that in the event of a servicing change, his line of
credit will be closed. He will then be required to make equal monthly payments of principal and
interest that fully amortize his Tally Line of Credit over a five-year period.
Initial Complaint
Date:12/27/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In September we received notification that ***** was going to transfer loans to this company. They said that we would receive a letter and that it would have all of our account information, payment information, etc. We never received any information. My wife called today to see if she could get the account information so that we could set up automatic payments. They gave her the account information and told her that the balance due was $234. She went to make an online account and they stated that this account could not be serviced online and she would need to call. She called back and they stated that they were selling the account to someone else but couldn't tell her who. They said that they don't know yet who it is going to and refused payment. So instead of setting up payments or being able to service the loan they said that they still have the loan but that they won't accept payment and they will sell it off to someone else. They gave my wife all of the account information without speaking with me. This seems like a scam as the person she spoke with had a hard time providing a mailing address or even a city where the business is located. I am sure this is on my credit now as a failed payment. This will only get worse as they are continuing to deny taking my payment.
Business Response
Date: 01/08/2025
Please see attached.
Customer Answer
Date: 01/08/2025

Complaint: ********

I am rejecting this response because:

I would like to see the documents that I signed with your company. (I never signed any documents or never agreed to any terms with your company.)

Sincerely,

**** *******
Business Response
Date: 01/14/2025
It is true that this consumer never signed an agreement with Systems & Services Technologies. As explained in our response, we are a loan servicer, servicing his ***** Account. In these circumstances, no such written agreement is required. Additionally, as this account came in charged off, we will not be credit reporting his account.
Initial Complaint
Date:12/18/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On August 31, 2020, I was approved for a $7000 hybrid loan from ******. $4000 available immediately and $3000 in a locked savings account(held by Cross River Bank) available after paying off the loan. On May 2022, I receive a communication stating that my loan has been taken over by SST. I kept making my payments on time. On September 15, 2024 I decided to pay off my loan and sent a check for the pay off balance. SST deposited the check on September 26, 2024 and told me to wait 15 business days to request transfer of my funds held in savings account. I made my first request on October 18, 2024. Waited 5 business days, but no funds were transferred. I tried this 3 more times and no transfer came along. When called SST states that my transfer is being rejected by the recipient bank(******* ******* ****** *****). We did a three way call with *** to figure out and they mentioned clearly that they were not rejecting or canceling the transfer. So I tried a 4th time, it failed again. This time SST mentioned that it could be because *** is a small bank and they are not accepting transfer. I tried a 5th time again, this time used my **** ** ******* account for the transfer on December 12, 2024. Today is December 17, 2024 and I was told that the transfer is being denied by my bank. Is BOA a small bank now? All along, SST wants me to set up a three way call with my bank but never once have entertained my ask of talking to ***** ***** ***** This has gotten to a point where I have to take another loan to help with my holiday expenses defeating my purpose of not wanting to have loans and close this to begin with. As of today SST/***** ***** **** owe my $3009.36. This is plain ridiculous from SST and ***** ***** ***** For all the pain I am going through, I can never get any answer from SST on the tracking or wire initiation requests.
Business Response
Date: 12/30/2024
Please see attached letter. Thank you. We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
attention. SST is a loan servicing and payment processing company. We remain committed to
maintaining a high level of customer satisfaction and appreciate the opportunity to assist you. Having
researched this matter, please be advised of the following:
The transfer of the Secured Savings funds has been escalated for review with the financial institutions.
All parties are working on the issue and will follow up accordingly.
We apologize for the inconvenience but please feel free to contact customer service at ***** ******** with any further questions or concerns.
Business Response
Date: 01/16/2025
*** *******
SST has forwarded the request to *** who is currently working on the case. We apologize for the delay, but SST has done everything it can to expedite the process and are waiting **** resolution.
Customer Answer
Date: 01/18/2025

Complaint: ********

I am rejecting this response because:
I spoke to *** and they mentioned that the rejection is not because of their issue but because of some flag raised by your systems and is not allowing them to transfer the amount. At this point I want you or *** to cut me a check for the amount owed plus duly compensate me for all the hassles and struggle I encountered until now due to your and ***’s negligence.

Sincerely,

******* ******* ******
Initial Complaint
Date:12/13/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I'm not liable for this debt, Systems & Services Technologies, Inc has misled me into believing they were the original creditor. I don't have a contract with this agency's company. They were never introduced themselves as a Collection Agency and neither provide me with the original contract. Correction to my credit report I demand this account to be removed from my credit report Systems & Services Technologies, Inc

The FDCPA mandates that debt collectors must clearly state their identity as a debt collector when contacting someone about a debt.
Providing details:
Along with identifying as a collector, they must also provide their company name and contact information
Business Response
Date: 12/27/2024
See attached response. e appreciate the opportunity to respond to the above-referenced complaint your office brought to our
attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing
company that is committed to resolving customer service issues in a cooperative and expeditious manner.
Please know that SST has no ownership in this Account and does not purchase loans; it is merely the
servicer. Consumer permission is not required to change servicers. The changing of a servicer does not
discharge the debt. Having researched this matter, please be advised of the following:
Initial Complaint
Date:10/17/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
This company alleges I owe them $11,788 dollars. It is on my credit reports. I have no contractual agreement with this business. So unless they can send me an original contract between them and myself, they need to take this off all my credit reports.
Business Response
Date: 10/28/2024
Please see the attached response and thank you in advance.We appreciate the opportunity to respond to the above-referenced complaint brought to our attention by your office. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing company that is committed to resolving customer service issues in a cooperative and expeditious manner. Please know that SST has no ownership in this account and does not purchase loans; it is merely the servicer. Having researched this matter, please be advised of the following:
On July 31, 2018, you, ********* *******, signed an agreement for a Marcus by Goldman Sachs loan (“the Contract”) financing $12,000.00. According to the contract, you agreed to make 36 monthly payments of $433.76, beginning on August 31, 2018.
On or around December 9, 2023, the account was assigned to SST for servicing and a transfer letter sent advising of the new servicer. Consumer permission is not required for transferring loan servicers. The creditor was not changed by the transfer of servicing.
At the time of servicing transfer, the Account had a balance of $11,053.44. Review of the payment history confirms brief and sparse payments made on August 31, 2018, October 31, 2018, December 7, 2018, and January 16, 2019. Validation of Debt has been sent separately.
If you feel this account was opened because of Identify Theft please complete and send to SST the FTC Fraud Affidavit, which you can find at *****************************. Also provide other supporting information to expedite our investigation, including the police report, a copy of your driver’s license, an exemplar of your signature, proof of residence as of the date of the alleged fraud, etc. You may send this information at the below address
Business Response
Date: 10/30/2024
In response to the consumer's rebuttal response, please note:

1. There is no contract between SST and *** *******. SST represents the creditor, Marcus by Goldman Sachs. This in no way changes the obligation *** ******* has on his account.
2. SST will not be modifying any credit reporting at this time. Note further, that SST has not independently credit reported on this account, at any rate.

Note this account is currently outsourced to a lawfirm, ******* * ********** - for potential lawsuit on the underlying claim. We would encourage *** ******* to contact them with any further issues.
Customer Answer
Date: 11/04/2024
As seen on this screenshot, it specifically states SST REPORTED Nov. 30, 2023. Contrary to the reply given by them stating they are not on my credit report. Furthermore the debt has been charged off as bad debt and sent to collections. I.E. the debt has been sold to this company. They purchased the debt and that has nothing to do with my contract with the original creditor. In conclusion I have no contract with this company. I have no obligation to them. Cease and desist any and all attempts to collect anything from me. And get off my credit reports as you are on them.
Initial Complaint
Date:10/02/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My ***** line of credit was transferred to SST as an amortized loan when ***** went out of business.

SST raised my interest rate and amortized the loan over 60 months, with a calculated monthly payment of $221.91. On top of this, they added $2.41 to each payment to cover the interest that had accrued since my last ***** payment in August (a total of $144.60 when distributed over 60 months).

I was accustomed to paying ***** more than the monthly minimum payment, and on September 9, 2024, I paid SST $300. This should have been applied as $142.98 ($140.57 + 2.41) to interest and $157.02 to principal. However, they applied $227.45 to interest and just $72.55 to principal.

I have spent hours on hold with customer service and have been promised attention by "upper management" that was to result in emails and phone calls that have never materialized. So far I have encountered an obstinate refusal to admit a mistake has been made, and blithe assurances that future payments will be handled correctly.

I want the additional $84.47 applied to principal as it should have been. I also want to know that SST is capable of applying my future payments correctly, and that they will do so.
Business Response
Date: 10/10/2024
Please see attached letter.
We appreciate the opportunity to respond to the above-referenced complaint brought to our
attention by your office. Systems and Services Technologies, Inc. (“SST”) is a loan servicing
and payment processing company that is committed to resolving customer service issues in a
cooperative and expeditious manner.
After completing our initial review of the account in question, on September 7, 2021, *** ****** signed an agreement with ***** Technologies, Inc, for a line of credit in the amount of
$15,000.00 with an initial interest rate of 14.99% which could vary with the market based on the
Prime Rate. You agreed to the terms and obligations in the contract, which provides that in the
event of a servicing change, your line of credit will be closed and that “you will be required to
pay equal monthly payments of principal and interest in an amount that fully would amortize
your ***** Line of Credit over a five-year period.”.
***** ceased operations in early September 2024 and transferred all open accounts to SST for
servicing purposes. Your balance at the time of transfer was $8,334.01 with a fixed interest rate
of 20.24%, $144.29 of which was interest that had accumulated through August 22, 2024. An
additional $83.16 of interest accumulated between August 22, 2024, and the date of your
payment, which was September 9, 2024. As such, of your $300.00 payment made on September
9, 2024, $227.45 paid off the outstanding interest, and the remaining $72.55 paid down principal.
Regarding the long wait times, SST has experienced a high volume of calls from other *****
customers due to this transfer. We apologize for the inconvenience this has caused.
If *** ****** has any additional questions or concerns, please contact Customer Service at ***** ********* ****** ** **** ****** *, to speak with a live representative during the office hours of
7:00am to 8:00pm Monday - Friday and 8:00am to 12:00pm Saturday Central Standard Time.
Business Response
Date: 10/22/2024
To clarify:
1. Of the $8,344.01 balance at transfer, $144.29 was interest that accumulated at ***** and which remained unpaid at the time of transfer.
2. SST did not amortize the loans - ***** did so prior to transfer and provided such information to SST.
3. No interest was calculated on the $144.29.
Customer Answer
Date: 10/23/2024

Complaint: ********

I am rejecting this response because:

Apparently as to the question of whether the people running this company are dishonest or just incompetent, the answer is they are *both*.

I have gone ahead and paid off my account. Originally I paid all except the $84.47 they stole from me, but in the end I paid that as well, as a gift to myself. I will be relieved of any further interaction with this execrable company, and they will be denied the thousands of dollars in interest they thought they would be reaping over the next five years.

Sincerely,

***** ******
Initial Complaint
Date:09/29/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had a loan with ****** ** ******* and it was reassigned to SST. I had a large medical bill I had to pay and requested a payment deferment from SST. I was approved for a two month deferment for the payments due May 23, 2024 and June 23, 2024. I resumed my payments with the July 23, 2024 payment. SST has failed to update my account in a timely manner and still has my account showing as past due when I have documentation of the approved payment deferment. I have called in several times and have been advised my credit will be corrected but it is showing it has not been re-aged based on the payment deferment. Last week when I called SST, I asked why this was taking so long and was basically told they are busy with a lot of requests so it may take more time. I feel I have given SST plenty of time to fix this, but now it is negatively impacting me. I was turned down for an apartment due to SST's inability to submit a request to update my Credit Report timely. At this point, I might have to seek legal remedies because I feel like they have violated the FCRA in some way. I don't know if SST has significant staffing issues, but it has been over 2 months since trying to resolve this, which is unacceptable. I am seeking assistance from the BBB to help resolve this situation because there is no urgency with SST. I will consider this matter resolved once SST updates/re-ages my account timely based on the payment deferment and send something to the three major credit reporting agencies (Experian, Equifax, Transunion) removing any late payments and reflecting my account as current. I will also be filing a complaint with the Federal Trade Commission against SST. I have been more than fair in allowing time to fix this and even gave a timeframe if not resolved and that I would be filing a complaint with the BBB. Thank you for your time.
Business Response
Date: 10/10/2024
Please see attached letter. Thank you.We appreciate the opportunity to respond to the above-referenced complaint your office brought to our
attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing
company that is committed to resolving customer service issues in a cooperative and expeditious manner.
We’ve completed our review of the account in question and found the following:
On November 22, 2021, ******** ******* signed an agreement for a ****** ** ******* ***** loan
(“the Contract”) financing $17,500.00. According to the Contract, *** ***** agreed to make 24 monthly
payments of $486.94, beginning on December 23, 2021. On or around December 19, 2023, the account
was assigned to SST for servicing. A transfer text and letter were sent to the cellphone/address on file
on December 19, 2023, explaining how to access the new servicing information.
Business Response
Date: 10/22/2024
The STAP program will be applied to this account as of 10/17/24 - the process was not finalized until 09/26/24.
Customer Answer
Date: 10/27/2024

Complaint: ********

I am rejecting this response because:

Sincerely,

******** *******
Initial Complaint
Date:09/23/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had a loan with ****** they closed after years of nightmares & not Doing what they said they would- they transferred my loan to this company that has no encryption on their website & they Don’t show the payments being made to the debt! I think they are stealing peoples money- they aren’t bbb accredited, their site isn’t encrypted & im Not comfortable paying them. It seems I am only 1 out of thousands of people being affected by this issue. They have interest & payments I never agreed to & i Never agreed to have a loan with them. My loan should be nulled & voided From the thousands I paid to tally - they closed & transferred me to a WORSE company that is so shady without my consent. This loan should be completely void since they are no longer In business. I am not comfortable with this company as no one answers, the site is a hackers dream & i Never took a loan out with this company to begin with so I never agreed to these terms . I can’t believe this is even legal. Also, I have read thousands of reviews where people had money stolen, they don’t change the balance of loan even after it’s paid off, & people had identity theft issues due to this company. My loan should be voided since I never agreed to use them & TALLY breached their contract with me. I shouldn’t have ever been moved to a company & ALL my personal information moved with it WITHOUT my consent when they closed - & it Should also be removed from my credit report - I NEVER agreed to use this company. This is so not legal in my opinion.
Business Response
Date: 10/02/2024
Please see attached letter.We appreciate the opportunity to respond to the above-referenced complaint brought to our
attention by your office. Systems and Services Technologies, Inc. (“SST”) is a loan servicing
and payment processing company that is committed to resolving customer service issues in a
cooperative and expeditious manner.
After completing our initial review of the account in question, on December 16, 2019, Ms.
******** signed an agreement with ***** Technologies, Inc, for a line of credit in the amount of
$10,000.00 with an initial interest rate of 17.90% which could vary with the market based on the
Prime Rate. You agreed to the terms and obligations in the contract, which provides that in the
event of a servicing change, your line of credit will be closed and that “you will be required to
pay equal monthly payments of principal and interest in an amount that fully would amortize
your Tally Line of Credit over a five-year period.”.
Tally ceased operations in early September 2024 and transferred all open accounts to SST for
servicing purposes and a welcome letter was sent advising of the new servicer. Your balance at
the time of transfer was $9,276.77 with a fixed interest rate of 18.00% and your minimum
payment required is $237.93.
Customer Answer
Date: 04/10/2025

********** ********

I am rejecting this response because:
my balance still hasn’t gone down even though I have paid thousands toward this! Your clearly not applying MY money & even After all this communication you still won’t say what my balance is to date because is this ?? a shady company. ONCE AGAIN I NEVER ENTERED into any agreement t with you. When tally closed - my balance should have e been wiped away with the company. That’s how ethics works. I didn’t enter into agreement with your company at all. I am not the only one having issues. Check your reviews. It’s a joke! Your company is so shady & you don’t even show balances going down or say what they are ! This is unacceptable because I never entered into any agreement with you and I never would.

Sincerely,

Kasey Sorensen
Initial Complaint
Date:09/21/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Complaint against System and Service Technologies Inc

I discovered that there was an account reporting on my credit by a company called SST. I have had no prior contact, and I do not have any account with this company. On 5/13/2024 I sent a request for validation to SST Inc. See attached. They received this letter on 5/16/2024, see attached proof of delivery certified mail.
They were required to send me notices and follow the proper procedure for validation. They did not. Instead, they sent me a letter saying it was serviced by another company and yet did not provide any details as to the nature of the debt. They were asked to investigate the validity of this debt. They did not.
They have violated the FDCPA and the FCRA in that they did not validate the debt, did not investigate the debt, did not provide any proof of the debt including amounts owed and their right to collect this debt.
In fact, aside from a 1 paragraph letter saying they didn’t service the account they have not contacted me or responded with the correct information.
Yet they continue to report this account on my credit report and have recently responded to a TransUnion Dispute stating that the debt was accurate, which is it not.
This company refuses to comply with the FCRA and the FDCPA and is currently in violation of both.
See attached proof of my statements.
***** *******.
Business Response
Date: 10/01/2024
Please see attachmentWe appreciate the opportunity to respond to the above-referenced complaint your office brought to our
attention. Systems and Services Technologies, Inc. (“SST”) is a loan servicing and payment processing
company that is committed to resolving customer service issues in a cooperative and expeditious manner.
Please know that SST has no ownership in this Account and does not purchase loans; it is merely the
servicer. Consumer permission is not required to change servicers. The changing of a servicer does not
discharge the debt. Having researched this matter, please be advised of the following:
On November 6, 2017, you, ***** *******, signed an agreement for a ****** ** ******* ***** loan
(“the Contract”) financing $15,000.00. According to the Contract, you agreed to make 37 monthly
payments of $542.21, beginning on December 20, 2017.
On or around December 14, 2023, the Account was assigned to SST for servicing and a transfer letter
sent same day advising of the new servicer. Consumer permission is not required for transferring loan
servicers. The creditor was not changed by the transfer of servicing.
Business Response
Date: 10/10/2024
*** ******* *
****** ** ******* ***** is the company that actively reported your account while current. When SST took over servicing of the ****** accounts, yours had already been charged off. As per SST policy, SST therefore did not credit report following transfer and will not independently take any affirmative action on your account to collect upon it. We are therefore not governed by either the FCRA or the FDCPA in this instance.

Customer Answer
Date: 10/15/2024

Complaint: ********

I am rejecting this response because:

this is being reported on my credit. You are the entity that is reporting this. I have disputed this directly with you because it is inaccurate you are absolutely accountable to the FCRA as the furnisher of the information it is also held that the act of reporting is an attempt to collect a debt therefore you are also under obligation to adhere to the FDCPA .

if you wish to absolve your self of this then send me a letter stating that you do not wish to have this information reported on my credit . And that it is a mistake. This I will then take up with Trans Union and refrain from holding you accountable . However you must validate this is true with Trans Union. I’m not certain why you can’t just contact Trans Union and correct this yourself.
if you refuse to resolve this I will have no other recourse but the court system. If you think you can not be held accountable for your reporting on my credit then I will need demonstrate that you are mistaken.

Sincerely,

***** *******

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Systems & Services Technologies, Inc. is NOT a BBB Accredited Business.